Borrow up to
$100
K
Interest rates from²
7.99
%
p.a.
Canstar's most awarded Personal Loan (Ever!)
Borrow More
We understand that sometimes you need additional financial support to bring your dreams to life. Whether it's completing a project you've started or embarking on a new adventure, we're here to help.
Harmoney offers options that could be just what you need.
To find out if you’re eligible to Borrow More, simply sign in.
Borrow More: Top Up
At some point, you may need more money to meet your goals. To help finish a project you've started, or to get going on something new. If you have plans, a Harmoney Top Up may be just what you need to bring it to life.
Experience the convenience of Harmoney Multi Loan, where you could qualify for a second loan alongside your current one.
Our lightning-fast application process makes it easy to apply for a new loan while maintaining your existing one. Customers with an excellent record of on-time repayments are eligible for this multi-loan option. Plus, getting a quote won't affect your credit score!
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$2K - $100K
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You can repay weekly, fortnightly or monthly
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3, 5 or 7 year loan terms¹
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Know exactly what you’re paying for. No hidden costs. No balloon payments. No surprises.
⚡ Borrow More: Express PreApproval
Did you accept only a portion of your loan application’s full approval sum? No worries! Collect the rest!
With our Express PreApproval, you could access the remainder in minutes. But hurry—the Express PreApproval option is available for only 59 days after we last accessed your bank statements.
To check if you’re eligible for Express PreApproval, simply log in to your account and unlock more funds today, all without needing to complete another application.
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No new loan application required
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No fees
-
Minimum borrowing amount: $2,000.
Borrow additional money
With Harmoney Top Up, you could apply to borrow additional funds.⁴ It is a feature offered to customers who, having demonstrated an excellent track record of on-time repayments, may be eligible to apply to borrow money additional to their existing loan.
⚡ Borrow additional money
Express PreApproval gives eligible customers access to the remainder of their full approval sum, within 59 since we last accessed your bank statements.
Accessing this available limit unutilised sum will create a second loan, which can be managed independently from your initial loan.
Your available limit is the difference between your maximum eligible credit and the amount you have already borrowed.
Access these extra funds effortlessly, with no additional establishment fees and without reapplying for a loan.
Note: only one withdrawal from your 'Available Limit' is permitted.
How do I become eligible?
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We review your situation regularly to see how you're going with your loan, and after six months, we'll assess your eligibility to apply for a Top Up. If you're eligible, we'll notify you by email and an banner messaging will appear on your borrower dashboard.
⚡ How do I become eligible?
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This offer is available to customers approved for a personal loan or debt consolidation. Please note that customers in arrears or experiencing hardship are not eligible.
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The option to access your available limit is valid for 59 days after we last accessed your bank statements. To check your eligibility, simply sign in to your account.
What can you use this for?
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All worthwhile loan purposes
⚡ What can you use this for?
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Available Limit can be used for any personal loan purpose (except for debt consolidation): Home renovation, New or Used vehicles, Holiday, Household items, Medical, Wedding, Education, Growing my business, Legal fees, Caravan, Tech, Funeral, Tax bill, Boat.
How Much Can I Access?
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We offer personalised low rate loans from $2,000 to $100,000.
⚡ How Much Can I Access?
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The amount you can access depends on your individual approval sum. You can accept up to 100% of your approved loan amount, with a minimum access limit of $2,000.
Will I need to re-start my application from the beginning?
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In case your circumstances have changed, we ask you to go through the finances part of our application process again. Then we will let you know if you have been approved for a change to your interest rate and borrowing limit.
⚡ Will I need to re-start my application from the beginning?
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No
Fees
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Establishment fee of $275 for loans under $5,000 ⁴
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Establishment fee of $575 for loans $5,000 and over ⁴
⚡ Fees
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No
What we offer
Loan amount
$2,000 - $100,000
Loan terms
3, 5 or 7 years¹
Interest rate from²
7.99% - 24.99% p.a.²
Early repayment fee
$0
Establishment fee
$150
Rate type
Fixed rate
Repayment frequency
Weekly, fortnightly, or monthly
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured
Get your money fast
No queues and no need for awkward face to face meetings.
Get a quick estimate
100% online
Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
How to apply
01
Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
4.8
37,009 Reviews
4.7
173 Reviews
4.7
2,611 Reviews
How customers rate us
4.8 out of 5 stars - based on 39,793 reviews
Martin
Last Friday
Fast and efficient, no hassles, thanks.
Foo M.
Last Week
Nice simple process, very open and transparent. And no early settlement fees! This definitely will be my go to if I need money quickly.
Sandra L.
Last Week
Very impressed with the service. Super easy application and super friendly and efficient staff. Thanks so much Harmoney.
What our customers say
Eligibility Criteria
To get a quote in New Zealand;
You must be 18 years or older.
You must be a New Zealand citizen, Permanent Resident or Australian citizen.
Your credit file must not have any defaults, judgments or bankruptcies.
You must have paid employment (which may include self-employment).
You need to borrow at least $2,000 with your loan.
You need to have photo identification documents such as your valid New Zealand passport or driver’s to licence, to hand.
If you are not eligible now, you may be in the future.